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        한국과 중국은행의 효율성 변화 분석

        이중하,나호수 경성대학교 산업개발연구소 2016 산업혁신연구 Vol.32 No.3

        본 연구는 DEA 및 Malmquist 생산성 지수를 활용하여 한국과 중국의 은행들에 대해서 효율성의 상대적 수준 및 효율성 변화를 분석한 것이다. 한국 은행은 시중은행과 지방은행이며, 중국 은행은 국유제 상업은행과 주식제 은행을 의미한다. 이를 위해 2010년부터 2014년까지 금융감독원의 “은행경영통계”와 “중국금융연감”을 기초로, 한국과 중국 은행 22개를 대상으로 분석하였다. 연구에서 투입변수는 직원수, 지점수, 고정자산, 자기자본, 산출변수로는 총대출금, 이자수익, 당기순이익으로 선정하였다. 분석결과, 한국이 중국보다 효율적인 은행의 수가 더 많았으며, 한국의 은행들은 규모의 경제가 감소하는 특성(DRS)을 지닌 은행의 수가 많았으며, 중국의 은행들은 규모의 경제가 증가하는 특성(IRS)을 지닌 은행의 수가 많았다. Malmquist 생산성 지수 분석결과, 2010∼2014년의 5년간 한국의 은행들은 생산성의 증가를 보였으나 중국의 은행들은 생산성 감소를 보였다. 특히 한국의 은행들은 2010∼2011년과 2012∼2013년에서 생산성이 크게 증가하였으며, 주로 기술진보(TCI)에 의해 생산성이 증가하였다. 포트폴리오 분석법을 활용한 은행별로 비교에서는 한국의 지방은행들이 높은 경쟁력 및 고성장에 해당하는 은행으로 분류되었으며, 중국의 은행들은 포동발전은행(Shanghai Pudong Development Bank) 등 4개 은행이 높은 경쟁력 및 고성장에 해당하는 은행으로 분류되었다. This paper aims to examine the efficiency and change in efficiency of banks in Korea and China using the data envelopment analysis(DEA) model and the Malmquist Productivity Index(MPI). For that purpose, 22 banks in Korea and China are analyzed based on “Bank Management Statistics” released by the Financial Supervisory Service(FSS) and “Financial Yearbook of China” from 2010 to 2014. In this study, input variables include the numbers of employees and branches, fixed assets, and equity capital and output variables are total loans, interest margin, and net income. The result shows that Korea turns out to outnumber China in terms of the number of efficient banks. When analysing the banks in the two countries with the MPI, it is found that while productivity of banks in Korea had increased from 2010 to 2014, productivity of those in China had declined during the same period. In the case of Korea, productivity increased significantly during 2010∼2011 period and 2012∼2013 period mainly results from TCI(technological change index). In the comparison of banks using a method of portfolio analysis, regional banks in Korea and four banks including Shanghai Pudong Development Bank in China are classified as the ones with high competitiveness and high growth.

      • 實驗的 肝吸蟲感染家兎에 對한 數種漢藥에 關한 硏究

        李重昰 圓光大學校大學院 1983 學位論叢 Vol.11 No.-

        32 kinds such as Pueraria hirsuta (Radix), Flower P, hirsuta, Glycyrrbiza uralensis, Ostericum koreana- Platycodon glaueum, Rapanus satiuus, Inula hetenium, Aconitum koreanum, Cynachum atratum, Dietamus dasycarpus, Bletilla striata, Coalogyne bulbodiscoides, Phytolacca escutenta, Bufo bufo asiaticus, Polygala japonica (bod), Polygala tanuifolia (Radix), Forsythia koreana, Art emmisia vulgaris, Prunus mume, Maximowicza chinensis , Chnysanthenum morifolium, Sophora angustifalia, Athyrium breuifiens, Cassia tora, Anemarrhena aspho deloides, Scutellaria baicalensis, Machiius thunbergii, Thesium chinensis, Smilax china, Xamthoxylum piperitum and Saussurea lappa are reported to be wormicidal effective against each developing stages of Clonorchis sinensis In vitro. As preliminary test, these herb drugs which were In the form of decoction during 10 days in order to screen the wormicidal herb in vivo, administrated orally to the clonor-chiasis rabbits. 6 kinds of herb drugs that were remarkably effective to the decrease of eggs per gram (E. P. G) of Clonorchis sinensis were selected, were Inula helenium, Machilus thunbergii, Dietamus dasycarpus, Saussurea lappa, Cassia tara and Prunus mume in order to study the anthelmintic effects on the Clonorchis sinensis were given to the three clonorchiasis rabbits for 30 days respectively and tried to fraction of wormicidal substance in the Inula hetenium and Saussurea lappa chemically. The observed results are as follow: (1) When 32 kinds of herb drugs were given to the clonorchiasis rabbits orally, Prunus thunbergii, Dictamnus dasycarpus, Inula helenium, Cassia tora, and Saussurea lappa were remarkably effective in athlemintic efficacy for the decrease of the mumber of E.P.G. (2) When the number of E. P. G. was counted through computerized logarismic transformation after the oral administration, Prunus mume, Inula helenium and Saussurea lappa were distinctive in decreasing the number of E. P. G. to 50 percent after the administration of the drugs. (3) After the oral administration during 30 days, the Clonorchis sinensis which were separated from the bile duct of clonorchiasis rabbits were stained by seminco acetocarine method and through microscopic observation was found the dilation of excretory bladder, degeneration of vitelline duct, degeneration of testis and regurgitation of intestine contents and irregularity of intestinal walls in Inula helenium and Saussurea lappa administra ted group. Recovery rate of the Clonorchis sinensis was 18 per cent and 19 per cent in the Inula helenium and Saussurea lappa administrated group, and 2 percent in lnula helenium group and 2.8 percent in Saussurea lappa group in case of prophylaxia test. (4) Of 12 Clonorchis sinensis in the prophylaxia test of Inula helenium groups, two worms were proved to be immatured. (5) The number of morphological changes in each worm shows that more than four intestines were observed to be degenerated concurrently and the rate reached 55 percent in case of Inula helenium-In the preliminary test groups, intestinal changes were found in less than four kinds and the rate was 82.9 percent. In Saussurea lappa group, the degenerating changes were found in less than two intestines and the rate was 70.57 percent. (6) Morphological changes in organs of Clonorchis sinensis were similar In histological appearance. Excretory bladder overswollen around the seminal receptacle were reached to the anterior point of body, following the intestinal tract. Degeneration In vitelline gland could be found to be developed, accompanied not only by incomplete development of vitellata but also by insufficient formation of ovum. (7) In case of administering Inula helemum, Hematology and blood chemistry was not shown any significant difference in comparison with the control groups. (8) The extracts from Inuta helenium and Saussurea lappa obtained by steam-distilled system were again fractioned with silica gel column chromatography by benzene(benzene : acetone/ 98 : 2). Four kinds of fraction materials from Inula helenium and five kinds from Saussurea lappa were extracted. Among these fractions, the strongest wormicidal effects on cercaria of Clonorchis sinensis were proved in the second materials in the lnula helenium and the third fraction materials in the Saussurea lappa. When they were fractioned again with silica gel thin layer chromatography by the solvent(benzene: acetone/95 : 5), Rf. 0.79 and 0.53 value material was proved to be most strongest wormicidal effects on the cercaria of Clonorchis sinensis In Saussurea lappa and lnula helenium.

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